Our property and casualty clients do not simply buy insurance from us…
Many business executives consider insurance a commodity. That is until they have a claim. When the unexpected happens, the first thing they think of is not whether or not they received a 10% discount at renewal time, but instead there is panic as they wonder if their insurance coverage is sufficient to cover the loss they are facing.
For our clients, post-claim panic is minimized as we have made it our job to stay fully abreast of our clients’ risk exposures by specifically tailoring insurance coverages and continuously updating them as exposures change.
Over the past decades we have made a niche for ourselves in the following industries:
- Concrete
- HVAC
- Home Builders
- Roofers
Todd Associates Inc. has proudly designed many comprehensive insurance and risk management programs to address the specific needs of contractors both large and small. We have diversified ourselves from the competition as we perform worker’s compensation premium audits, review and author indemnification agreements, manage insurance certificate tracking for general contractors, and service all bonding needs (i.e. bid, maintenance, and payment).
- Alternative Fuel Producers and Distributors
- Chemical Production and Recycling
- Storage
- Waste Hauling
If you have an environmental liability risk exposure, Todd Associates has the resources to help protect your company’s bottom line from claims and penalties. Our staff of professionals spends countless hours dedicated to our clients in this industry as we work to ensure regulatory compliance, improve safety, and make certain that we have the up to date insurance coverages in place. Our company underwriters respect our expertise in this department and are very willing to provide for “best-in-class” insurance coverage at cost effective rates. For our larger clients (i.e. +$250,000 in premium), we have an alternative risk transfer program provided through several captive insurance companies.
- Automobile / Motorcycle Parts
- Foundry Operations
- Plastic Injection Molding
- Medical Equipment
Manufacturing is at the core of Todd Associates’ Property and Casualty Department and it has been for nearly seventy years. No matter how innocuous or dangerous your product is, Todd Associates can help your company find new ways to manage your risk exposures. Our in-house loss-control engineering department is known and respected by some of the most highly regarded insurance companies and their surveys are accepted as underwriting criteria.
Since 1986, we have provided comprehensive insurance programs specifically designed to meet the needs of private and public schools. Our track record speaks for itself as the far majority of our school clients have been with our firm for nearly a decade and our client base continues to grow every year. We are approaching nearly 50 clients in this department and we have expanded operations accordingly to serve any and all school districts that may elect to choose us as their outsourced insurance and risk management department.